飞扬的光 发表于 2013-12-30 20:27 
你有没有现成的文章,给我发一篇吧  谢谢
TF Hellmann, KC Murdock, JE Stiglitz - American economic review, 2000 
Liberalization, moral hazard in banking, and prudential regulation: Are capital requirements enough?
not directly related to your topic. but should touch the edges of the issue??